{"id":12693,"date":"2022-06-23T23:04:47","date_gmt":"2022-06-23T17:34:47","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=12693"},"modified":"2022-09-30T11:34:42","modified_gmt":"2022-09-30T06:04:42","slug":"elss-in-india-meaning-features-and-tax-benefits","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/","title":{"rendered":"ELSS in India \u2014 Meaning, Features, and Tax Benefits"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69e763d7414c2\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e763d7414c2\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#What_Is_an_Equity_Linked_Savings_Scheme\" title=\"What Is an Equity Linked Savings Scheme?\">What Is an Equity Linked Savings Scheme?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#Features_of_ELSS_Investments\" title=\"Features of ELSS Investments:\">Features of ELSS Investments:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#Tax_Benefits_of_ELSS_Investments\" title=\"Tax Benefits of ELSS Investments:\">Tax Benefits of ELSS Investments:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#Benefits_of_Investing_in_ELSS_Funds\" title=\"Benefits of Investing in ELSS Funds:\">Benefits of Investing in ELSS Funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#Factors_to_Consider_when_Investing_in_ELSS\" title=\"Factors to Consider when Investing in ELSS:\">Factors to Consider when Investing in ELSS:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#Taxation_of_Equity_Linked_Savings_Schemes\" title=\"Taxation of Equity Linked Savings Schemes:\">Taxation of Equity Linked Savings Schemes:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#How_to_Invest_in_an_ELSS_Fund\" title=\"How to Invest in an ELSS Fund?\">How to Invest in an ELSS Fund?<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#_Is_there_any_risk_of_investing_in_ELSS\" title=\"\u00a0Is there any risk of investing in ELSS?\">\u00a0Is there any risk of investing in ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#_Who_would_want_to_invest_in_ELSS\" title=\"\u00a0Who would want to invest in ELSS?\">\u00a0Who would want to invest in ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#_How_can_you_redeem_units_of_an_ELSS\" title=\"\u00a0How can you redeem units of an ELSS?\">\u00a0How can you redeem units of an ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#_How_can_you_stop_an_SIP_at_an_ELSS\" title=\"\u00a0How can you stop an SIP at an ELSS?\">\u00a0How can you stop an SIP at an ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#What_are_the_other_investment_alternatives_to_ELSS\" title=\"What are the other investment alternatives to ELSS?\">What are the other investment alternatives to ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">The Government of India allows many tax benefits for investors under Section 80 of the Income Tax Act. Under Section 80C, you can claim tax deductions of up to Rs. 1.5 lakh with tax-saving investments like PPF, NPS, etc. However, if you want to invest in mutual funds, Equity Linked Savings Scheme (<\/span>ELSS<span style=\"font-weight: 400;\">) is the only tax-saving option.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read along to know more about ELSS and its tax benefits.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_an_Equity_Linked_Savings_Scheme\"><\/span>What Is an Equity Linked Savings Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">ELSS is an <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\/\">equity oriented mutual fund<\/a> that offers tax deductions under Section 80C of the IT Act. According to SEBI, these are open-ended equity schemes that invest their assets primarily in equities and related instruments per the provisions of the Equity Linked Savings Scheme, 2005.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These funds allow you to claim a tax deduction against investments of up to Rs. 1,50,000 in a financial year. The excess amount will not qualify for tax deductions if you invest more than this amount. <\/span>ELSS <span style=\"font-weight: 400;\">has a mandatory lock-in period of 3 years, which is the shortest among similar tax-saving investment options.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike traditional tax-saving instruments, an ELSS does not offer fixed returns. That said, these equity funds can generate inflation-beating returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\/equity\/elss\">Investing in ELSS funds<\/a> with a long-term investment horizon lets you deal with their high short-term volatility. With this, you do not have to worry about timing the market.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Features_of_ELSS_Investments\"><\/span>Features of ELSS Investments:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Given below are some essential features of ELSS:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All Equity Linked Savings Schemes must invest a minimum of 80% of their assets in stocks and equity-related instruments.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These funds diversify their investments across different themes, sectors, and market capitalization.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They are popular among investors looking for capital appreciation and tax savings.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can opt for the growth option to increase your potential returns or the dividend option if you want regular payouts.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The minimum investment amount varies across AMCs (Asset Management Companies). However, there is no upper cap on how much you can invest in <\/span>ELSS<span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You must remain invested for at least three years, and there is no provision for premature withdrawal. There is also no limit on how long you can stay invested after the lock-in period.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Returns from ELSS<span style=\"font-weight: 400;\">: As these schemes invest in stocks, though the element of risk is high in the short term, it has the potential to offer high returns for long-term investors.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Here are the top five ELSS funds available on Kuvera with the rate of returns <\/span><b><i>(as of 15 June, 2022)<\/i><\/b><span style=\"font-weight: 400;\"> for a period of 1 year and 3 years:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><strong>Name of the Fund<\/strong><\/td>\n<td><strong>Rate of Returns (for 1 year)<\/strong><\/td>\n<td><strong>Rate of Returns (for 3 Years)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/principal-personal-tax-saver-growth--PCSTZG-GR\"><span style=\"font-weight: 400;\">Principal Personal Tax Saver Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">32.37%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">17.21%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/baroda-elss-96-b-growth--BP96D2-GR\"><span style=\"font-weight: 400;\">Baroda ELSS 96B Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">18.77%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">17.20%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/hdfc-tax-saver-growth--32T-GR\"><span style=\"font-weight: 400;\">HDFC Tax Saver Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">9.06%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10.44%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/quant-tax-growth--QUTPDG-GR\"><span style=\"font-weight: 400;\">Quant Tax Direct Growth Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">8.46%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">32.62%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/pgim-india-elss-tax-saver-growth--PRTFG1-GR\"><span style=\"font-weight: 400;\">PGIM India ELSS Tax Saver Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">3.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15.20%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tax_Benefits_of_ELSS_Investments\"><\/span>Tax Benefits of ELSS Investments:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Under Section 80C of the IT Act, you can claim tax deductions of up to Rs. 1,50,000 by investing in ELSS. Only individuals and HUFs (Hindu Undivided Families) can reduce their tax liability in an ELSS fund.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>ELSS<span style=\"font-weight: 400;\"> is one such tax-saving investment u\/s 80C. If you are in the highest income tax bracket (of 30%), you can save up to Rs. 46,800 in taxes per year by investing in the Equity Linked Savings Scheme. To get this benefit, you will need to invest at least Rs. 1,50,000 in an ELSS of your choice.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/\">lock-in period of ELSS<\/a><span style=\"font-weight: 400;\"> is among the lowest in investments offering tax benefits. This is lower than NSCs, which have a 5-year lock-in period or PPFs with a 15-year lock-in period.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Although you have to stay invested for 3 years, it is always a good idea. It lets you prevent losses from short-term fluctuations and make considerable gains from compounding. However, before you decide to invest in ELSS, make sure to have a clear idea about your risk appetite and financial goals.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Benefits_of_Investing_in_ELSS_Funds\"><\/span>Benefits of Investing in ELSS Funds:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>The following is a summary of the benefits of ELSS funds:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Portfolio diversification:<\/b><span style=\"font-weight: 400;\"> ELSS funds invest in a variety of stocks with different market capitalization across various sectors. So, investing in a diversified fund like <\/span>ELSS<span style=\"font-weight: 400;\"> decreases the risks that may arise due to the underperformance of a particular stock.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enables you to grow your wealth:<\/b><span style=\"font-weight: 400;\"> Unlike fixed-income investments like PPFs and tax-saving FDs, ELSS has the potential to generate high returns over the medium-long term. This makes them the right tool to generate enough returns to fulfill your financial goals.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tax benefits and high returns:<\/b> Returns from ELSS<span style=\"font-weight: 400;\"> investments are tax-deductible up to a specific limit. Their tax benefits and high returns can help investors achieve their financial goals.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ideal for long-term goals:<\/b><span style=\"font-weight: 400;\"> ELSS works well when you stay invested for the long term as it offsets the effects of short-term volatility.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Low minimum investment amount:<\/b><span style=\"font-weight: 400;\"> Like any other mutual fund, you can invest in ELSS with as little as Rs. 500 through SIPs (Systematic Investment Plans). Thus, you do not need to accumulate a large corpus to invest in ELSS.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Factors_to_Consider_when_Investing_in_ELSS\"><\/span>Factors to Consider when Investing in ELSS:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Here are some aspects to consider before investing in ELSS:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Past performance:<\/b><span style=\"font-weight: 400;\"> ELSS funds do not offer guaranteed returns like any other market-linked products. So, before you invest, make sure to check the fund&#8217;s past performance for the past several years. Also, compare its past performance against its benchmark and competitors.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Role of the fund manager: <\/b><span style=\"font-weight: 400;\">The fund manager plays an essential role in the performance of your <\/span>ELSS<span style=\"font-weight: 400;\">. You will want to check if the person managing your money has the experience and track record of picking the right stocks.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investment horizon:<\/b><span style=\"font-weight: 400;\"> Owing to the high equity exposure of ELSS, individuals need a long-term investment horizon to minimise the effects of market volatility. That is why it is not a good idea to exit investments after just three years. You will want to stay invested for at least five years to get the best returns from an ELSS.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Expense ratio:<\/b><span style=\"font-weight: 400;\"> The expense ratio refers to the amount charged by the fund house to cover the cost of operating a fund. The lower the expense ratio, the lower will be your take-home returns. So, you will want to choose an ELSS fund with a lower expense ratio.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tax benefits:<\/b><span style=\"font-weight: 400;\"> While an <\/span>ELSS<span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> offers tax benefits, you will not want to choose them purely for tax-saving purposes. This is because these funds carry some risks and may result in you losing part of your investments. Other tax-friendly 80C investments can give more stable returns.<\/span><\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Taxation_of_Equity_Linked_Savings_Schemes\"><\/span>Taxation of Equity Linked Savings Schemes:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Capital gains from ELSS is taxed in the same way as other equity funds. That said, short term capital gains (STCG) tax is not applicable to gains earned from ELSS as these equity funds have a lock-in period of 3 years. Only long term capital gains (LTCG) tax is applicable when investors redeem their units.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">LTCG of up to Rs. 1 lakh is exempt from LTCG tax in a financial year. Gains above this amount are taxed at a 10% rate in addition to surcharge and cess.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_to_Invest_in_an_ELSS_Fund\"><\/span>How to Invest in an ELSS Fund?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is quite easy to invest in an ELSS fund. You can use platforms like Kuvera to find the top-performing ELSS funds based on their 1-year or 3-year performance. Simply log in from the platform or the mobile app and go to the MF section. Then, select &#8216;Equity and &#8216;ELSS&#8217; in the category and sub-category&#8217; filters.\u00a0<\/span><\/p>\n<p>You can invest in ELSS via the lump sum\/SIP mode. Investing via the lump sum mode carries a higher risk. However, you can invest via this mode if you have a long-term investment horizon and the markets are bearish.<\/p>\n<p>Investing in an ELSS fund via SIP is ideal for regular and small investments. It helps you build a sizeable corpus over time. Moreover, investing in ELSS via SIP benefits you from rupee cost averaging. As you buy more units when the market is up and fewer when it goes down, you can spread the investment risk.<\/p>\n<p>&nbsp;<\/p>\n<p><b>Final Word<\/b><\/p>\n<p>Equity Linked Savings Schemes are ideal for those looking for high returns and tax benefits. You will want to find an ELSS with investment objectives and risk levels that match your financial goals and risk appetite. It is always a good idea to remain invested in these funds for a long time to get substantial returns.<\/p>\n<p><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Did you know? <\/span><span style=\"font-weight: 400;\">You can now invest in ELSS or tax-saving funds on Kuvera:<\/span><\/p>\n<p><b>Step 1:<\/b><span style=\"font-weight: 400;\"> Download the Kuvera app or visit our website.\u00a0<\/span><\/p>\n<p><b>Step 2:<\/b><span style=\"font-weight: 400;\"> Create your account on <\/span><a href=\"https:\/\/kuvera.in\/\"><span style=\"font-weight: 400;\">Kuvera<\/span><\/a><span style=\"font-weight: 400;\"> by completing the mandatory KYC procedure. This will hardly take a few minutes. Once that\u2019s completed,\u00a0 select the \u2018Invest\u2019 option on our homepage after which you can select \u2018Mutual Funds\u2019 and <\/span><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/save-taxes\"><span style=\"font-weight: 400;\">\u2018ELSS<\/span><\/a><span style=\"font-weight: 400;\">\u2019.\u00a0<\/span><\/p>\n<p><b>Step 3:<\/b><span style=\"font-weight: 400;\"> Kindly go through the list of all zero-commission direct plans of ELSS schemes to start investing.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Frequently Asked Questions<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"_Is_there_any_risk_of_investing_in_ELSS\"><\/span>\u00a0Is there any risk of investing in ELSS?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">ELSS funds have the same risks as any other equity-oriented mutual funds. Market risks, concentration risks, and risks of volatility. Risk-averse investors can consider other Section 80C investments.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"_Who_would_want_to_invest_in_ELSS\"><\/span>\u00a0Who would want to invest in ELSS?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Salaried employees with taxable income can consider investing in ELSS funds. In addition to contributions to EPF, this can help them get the maximum tax benefits they can get. New or inexperienced investors can also invest in ELSS as it offers high returns over time.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"_How_can_you_redeem_units_of_an_ELSS\"><\/span>\u00a0How can you redeem units of an ELSS?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can redeem your units of an ELSS only after holding them for three years. To redeem your ELSS investments, you must place a redemption request with the relevant fund house. You can also redeem them from the websites of RTAs (Registrar or Transfer Agents) or third parties.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"_How_can_you_stop_an_SIP_at_an_ELSS\"><\/span>\u00a0How can you stop an SIP at an ELSS?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To stop a SIP for an ELSS, you have to sign in to your investment account and submit a &#8216;Stop SIP&#8217; request. Once done, request your bank cancel the ECS mandate or stop the standing instructions.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_are_the_other_investment_alternatives_to_ELSS\"><\/span>What are the other investment alternatives to ELSS?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The following are some of the Section 80C investments other than ELSS:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PPF (Public Provident Fund)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NSC (National Savings Certificate)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NPS (National Pension System)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EPF (Employee Provident Fund)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SCSS (Senior Citizens Savings Scheme)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax Saving FDs (Fixed Deposits)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SSY (Sukanya Samriddhi Yojana)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"EPF, PPF and VPF | Tax Saving Investments for Guaranteed Returns\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/dbxbBR7it10?list=PLDSzQdT9nLmBFD2p94O5p2pZ4vEUR-Thz\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a> and <a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n\n<table id=\"tablepress-2103\" class=\"tablepress tablepress-id-2103\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">Top Asset Management Companies<\/th><th class=\"column-3\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/idfc\">IDFC Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/quant\">Quant Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/canara\">Canara Robeco Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/uti\">UTI Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/whiteoak\">Whiteoak Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/motilal\">Motilal Oswal Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/mirae\">Mirae Asset Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/icici\">ICICI Prudential Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/hdfc\">HDFC Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/absl\">Aditya Birla Sunlife Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/barodabnpparibas\">Baroda BNP Paribas Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/invesco\">Invesco Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/jm\">JM Financial Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Funds<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/nippon\">Nippon Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/franklin\">Franklin Templeton Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/sundaram\">Sundaram Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/edelweiss\">Edelweiss Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/l_t\">L&amp;T Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/axis\">Axis Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/kotak\">Kotak Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/lic\">LIC Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/iifl\">IIFL Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/parag\">Parag Parikh Mutual Funds<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2103 from cache -->\n","protected":false},"excerpt":{"rendered":"<p>The Government of India allows many tax benefits for investors under Section 80 of the Income Tax Act. Under Section 80C, you can claim tax deductions of up to Rs. 1.5 lakh with tax-saving investments like PPF, NPS, etc. However, if you want to invest in mutual funds, Equity Linked Savings Scheme (ELSS) is the [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/elss-in-india-meaning-features-and-tax-benefits\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":12702,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[72,99,822],"tags":[1030,69,726,677,598,897],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ELSS - What is ELSS, Invest in ELSS Funds in India 2022<\/title>\n<meta name=\"description\" content=\"ELSS Funds are equity funds that invested majorly into equity related instruments. 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